Which Medicare Part D Drug Plan Is the Best One?

Which Medicare Part D Drug Plan Is the Best One?

“Which Medicare Part D drug plan is the best one?” That question was posed to me this week by a man turning 65. It is not a bad question; but, unfortunately, it isn’t answered well by many insurance agents.

In fact, the man who asked me this question told me that an agent had just told him he should be on an AARP prescription drug plan. There is nothing wrong with an AARP plan, but it didn’t fit him. After all, two of his medications were not covered on the plan. So, no matter what the plan is, if it doesn’t cover your medications, it isn’t the best plan for you.

How the Wrong Medicare Part D Drug Plan Can Cost You—in a BIG Way!

If you don’t have the right Medicare Part D prescription drug plan for you, it will cost you. Depending on your prescriptions, being on the wrong prescription drug plan could cost you a LOT of money!

I have personally encountered individuals who were overpaying by more than $600 per year! That includes premium, deductibles, copays, and the dreaded donut hole. (Look for the explanation of the donut hole in a future article.) Again, that is per year! So, if the individual stayed on that wrong plan, and assuming he continued to overpay by that amount, in ten years, he would have overpaid by $6,000!

While most people on the wrong plan are not overpaying to that degree, this illustrates that the wrong drug plan could conceivably cost you more than being on the wrong Medicare supplement. Keep that in mind when shopping for your Medicare coverage. After all, why should you overpay at all?

Why Insurance Agents Don’t Do a Better Job on Medicare Part D Plans

Over and over again, I have heard of insurance agents suggesting Medicare Part D drug plans that didn’t fit the medications their client was taking. While agents will promote themselves as doing the best job for people on their Medicare supplement, many of those put in no effort to try to save people money on their prescription drug plans.

So, why don’t insurance agents do a better job on Medicare Part D prescription drug plans? The answer is that agents typically make little or no commission on prescription drug plans. Because finding the right plan takes some time and effort, many agents would rather suggest a low-premium, zero-deductible plan over taking the time to match the right plan to their client’s needs.

Thus, it’s simply a matter of many agents adopting this thinking, “If my compensation doesn’t match my effort, I’m not doing it.” But this is shallow and short-sighted thinking. While the client is trusting the agent to look out for the client’s best, the insurance agent, in this case, is exploiting that trust.

Of course, this kind of thinking will hinder the agent’s business. After all, who wants to tell your friends they need to use an agent who is untrustworthy? On the other hand, the agent who does a great job for his client in saving him or her money in both areas—Medicare supplements and Medicare Part D prescription drug plans—will be the one referred to friends of the client, which will provide the agent the opportunity to also serve the client’s friends.

So, How Do You Find the Best Medicare Part D Plan for You?

When shopping for help with your Medicare supplement, ask agents you encounter if they help their clients with their prescription drug plans. If they say, yes (which many may), ask them how they help? (That is a key question!) Then ask them if they will help you every year? (After all, you can change your Medicare Part D drug plan every year—and you will want to do that, especially if your medications change. So, why not keep saving money on your prescription drug plan each and every year? That is, unless you like throwing away money.) That last question, especially, will test the agent’s commitment toward you. If that agent does not promise to shop your medications to get the plan that will save you the most money, don’t use that agent; fine one who will make the commitment that is in your best interest (not his best interest).

If you live in East Texas, and you don’t know how to find such an agency—one who is definitely looking out for your best interest—give us a call and see why so many others are dedicated clients of Claeys Group Insurance Services, LLC. You can reach us at 903-702-8807. We would consider it a privilege to help you find the best plan for you.


January ShubertJanuary Shubert
13:50 08 Apr 24
Excellent customer service. Professional and knowledgeable. Received what I needed and wanted at a reasonable price.
Melton TimmonsMelton Timmons
23:05 05 Apr 24
John is a great person first. As an agent he is very knowledgeable of the products and services he offers. For every question I had, he provided answers and solutions. I am very comfortable with him and if you need a capable agent, please contact John Claeys.
Rosa MartinRosa Martin
21:53 05 Apr 24
John is a very knowledgeable person in his profession. He has helped my husband, my sister, and myself to find the best affordable insurance for each of us…He made navigating through Medicare a breeze for me. He is willing to help in any way and any time of the day.Thank you John for all your help.
Johnny CoffmanJohnny Coffman
16:33 05 Apr 24
He explained the ins and outs of how Medicare works and clarified the confusion. Highly recommend John Claeys!
Mark BleuerMark Bleuer
22:48 03 Apr 24
John is very professional and courteous. His knowledge and attention to detail is exemplary. I can highly recommend Claeys Group Insurance. He does a great job.
sheila Rhynesheila Rhyne
14:58 03 Apr 24
I have had excellent customer service.Claeys insurance company has helped me for several years now and he does a wonderful job setting me up with the right insurance that fits my needs .I really appreciate the job he does and Thank you again.
Scott GillScott Gill
00:34 03 Apr 24
Highly professional with attention to detail. Felt like John was genuinely interested in matching my needs to the various options.
Karen DeemKaren Deem
21:02 02 Apr 24
John was very pleasant and professional. Medicare can be very confusing. He had all the answers for me.
Beth HamillBeth Hamill
17:52 02 Apr 24
I am so thankful for John's help and kindness...he explains everything so clearly and I feel confident that he is truthful and finding the best plan for me.
Margie FisherMargie Fisher
22:38 13 Feb 24
My husband and I have used John's services for several years, as do many of our friends. At no time has his recommendations let us down. He is kind, patient in making sure we understand our choices and was there for any and all questions afterwards. He would be our ONLY choice when it's your turn to use his insurance services. He will not let you down. What a professional! 🙂
Jerry JonesJerry Jones
02:27 08 Feb 24
John was very helpful in guiding me through the medicare choices. He explained everything thoroughly and answered all my questions.
marvitta hallmarvitta hall
23:31 07 Feb 24
Tonda SammonsTonda Sammons
21:26 07 Feb 24
Judy CraftonJudy Crafton
20:54 07 Feb 24
Mr. Claesy, was a pleasure to work with on just a short time table, my not paying attention to dates for Medicare changes! We really appreciated his response and meeting personally with us. We highly recommend him for your insurance needs. Thanks again for doing a wonderful service.
Dannie SkipperDannie Skipper
20:50 07 Feb 24
John was very helpful in selecting insurance companies for Roy. He demonstrated that he was very knowledgeable about what was available and what was needed. He made recommendations, provided details, and gave good advice to us. He was flexible and did what we asked of him to complete the process of selecting the best insurance companies for the situation. We are grateful for his help and pleased with the results.
KevinKevin
14:47 24 Jan 24
John is a very knowledgeable subject matter expert and is thorough in his approach. He takes time breaking down and explaining what can be a somewhat complex subject and helps makes it easier to understand! John always has the best interests of his clients guiding his recommendations. We have found John's advice to be extremely helpful and would recommend him to anyone seeking health insurance.
Laura BogenschutzLaura Bogenschutz
18:06 21 Jan 24
John Claeys is the best! He has helped my husband and I tremendously with our Medicare and supplement coverage! He breaks it down to where you can understand it! We would be so confused without John!! Thank you John for being there for us!!
Thompson FamilyThompson Family
15:46 18 Jan 24
John Claeys is one of the most knowledgeable individuals on Medicare and supplemental insurance plans you can ever find. Not only is he very personable he also stays involved from year to year to ensure you have the best policies for your current needs.
Ingrid FauskeeIngrid Fauskee
23:21 17 Jan 24
I just got a Medicare plan through John Claeys. I was getting a lot of mail about Medicare and was so confused. Some friends told me about John so I emailed him and he contacted me right away.. He was amazing! He went through everything with me, he explained every detail and was so patient with all my questions . So grateful to him for all he did. Thank you John.😁
John Claeys helped me understand the in's and out's of Medicare. He found the best insurance and prescription plan to best suit my needs at an affordable price.Thank you John!Laurie Boriskie
Marsha AllenMarsha Allen
16:55 24 Oct 23
My experience with John was definitely 5 Star! He explained everything thoroughly, and simply. He answered all my questions regarding Medicare completely. I would absolutely recommend John, without reservation.
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